Group Insurance
HMR Employee Benefits - Your Workplace and Group Benefits Manager in Victoria
 HMR Insurance designs custom life, health and dental benefits for groups in Victoria and area. Our expertise in designing cost-effective employee benefit plans, our product knowledge, and our personal service will save you money in the long run on your plan.
We think we produce some of the best Renewal Report around. With more detail you can make better decisions about how to manage your benefits plan. Take a look at an actual client renewal to see what you might be missing with your current broker.
Sample Renewal Report (PDF)
The most common form of benefits plan is the Traditional Group Insurance Plan. Plans provide a wide range of benefits - an employer pays a monthly insurance premium and the insurance company agrees to pay any claims incurred by employees. If you have ever had benefits at work it was likely set up in this manner. [More about Traditional Group Insurance Plans]
With growing pressures on traditional plans due to rising health care costs, a new surge in self insurance is occurring. Rather than take on all the risk associated with a benefits plan, a hybrid plan allows the employer to pay for the predictable, affordable expenses with a low cost HWT, and use stop loss insurance to protect the benefits plan against any catastrophic claims. [More about our hybrid insurance plans]
A Health and Welfare Trust enabled a company to pay for medical, dental, critical illness and disability insurance with before-tax dollars. [More about Health and Welfare Trusts]
We work with the top providers in Canada. See who our preferred insurance providers are and why.
HMR Insurance - Victoria, BC. - Email us now for more information about employee or group insurance plans or call: 1-888-592-4614 | Receive a free, no obligation quote
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